How to find all your subscriptions from a bank statement

Use more than one month

One month can hide a yearly plan and can make a one time purchase look like a subscription. Download the PDF statements for several months from the bank or card site. How to read a statement PDF covers which file to download. Keep US dollar statements and Canadian dollar statements apart.

A checking account and a credit card are both useful. Some subscriptions leave the bank account. Others leave the card. A list from only one of them is not the full list.

What to write down

Go through each month and look for the same store name, a similar amount, and a gap of about a month. A yearly plan shows up once and then not again for about a year. Write the name exactly as it is printed, plus the amount and the date. The printed name is often shorter than the brand you remember.

Apple, Google, and similar bills can put several services under one store name. The statement shows the store and the total. The store's own subscription list is where the separate services are named. The statement still tells you the date and the amount that left the account.

How to find subscriptions on a credit card statement is the shorter version of this search for a single card. Use this page when you want every repeating charge, including ones that leave a bank account.

Keep bank fees off the subscription list

A line with words like fee, interest, overdraft, or NSF (not enough money) is a bank or card charge, not a subscription. Put those on a separate list. US bank fees and Canadian bank fees show where those lines sit. A monthly account fee belongs in the bank fee calculator, not in the subscription list.

If you meant to pay a subscription, you can leave it. If you did not agree to the charge, the company that bills you is usually the place that can stop the next one. The CFPB explains how to dispute a credit card charge when you did not authorize it. A dispute is not the tool for a plan you signed up for and forgot.

In Expenvo, Mark as a subscription keeps that name on your list. Expenvo does not tell you to cancel, and it does not count those charges as savings.

Questions

Is a bank fee a subscription?

No. A monthly account fee, an overdraft fee, interest, and an annual card fee come from the bank or the card company. A subscription comes from a store or service.

Can one month of statements show every subscription?

No. A yearly plan may not appear in the month you open. Several months, and both the bank account and the card, give a fuller list.

Does Expenvo tell me to cancel a subscription?

No. Expenvo lists repeating charges. It does not tell you to cancel them, and it does not count them as savings.

Should I dispute a subscription I forgot about?

A dispute is for a charge you did not authorize. A plan you signed up for and forgot is usually stopped with the company that bills you, not with a bank dispute.

Sources

• CFPB: How do I dispute a charge on my credit card bill?

Related

• Subscriptions on a credit card statement
• Read a statement PDF
• Bank fee calculator